{"id":10341,"date":"2022-12-02T16:33:51","date_gmt":"2022-12-02T08:33:51","guid":{"rendered":"https:\/\/\/?p=10341"},"modified":"2022-12-02T16:39:11","modified_gmt":"2022-12-02T08:39:11","slug":"what-is-mental-accounting","status":"publish","type":"post","link":"https:\/\/\/what-is-mental-accounting\/","title":{"rendered":"\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39\uff1a\u5b9a\u7fa9\uff1f\u4f8b\u5b50\uff1f\u6295\u8cc7\uff1f\u4e09\u5206\u9418\u770b\u61c2\u5fc3\u7406\u5e33\u6236"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"563\" src=/index.html"https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39.jpg\" alt=\"\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39\" class=\"wp-image-10342\" title=\"\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39\" srcset=\"https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39.jpg 1000w, https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39-300x169.jpg 300w, https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39-768x432.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39<\/figcaption><\/figure>\n\n\n\n<p>\u5404\u4f4d\u8b80\u8005\u6709\u807d\u904e\u300c\u5fc3\u7406\u5e33\u6236\u300d( Mental Accounting ) \u9019\u500b\u884c\u70ba\u7d93\u6fdf\u5b78\u7684\u540d\u8a5e\u55ce\uff1f\u5404\u4f4d\u8b80\u8005\u53ef\u4e86\u89e3\u5fc3\u7406\u5e33\u6236\u9019\u500b\u7406\u8ad6\u55ce\uff1f<\/p>\n\n\n\n<p><strong>\u672c\u7bc7\u4ecb\u7d39\u5c31\u4f86\u8aaa\u8aaa\u5fc3\u88e1\u5e33\u6236\u662f\u4ec0\u9ebc\u610f\u601d\uff0c\u5305\u542b\u5fc3\u7406\u5e33\u6236\u7684\u5b9a\u7fa9\u3001\u4f8b\u5b50\u3001\u65bc\u6295\u8cc7\u4e0a\u7684\u504f\u8aa4<\/strong>\uff0c\u60f3\u8981\u4e86\u89e3\u5fc3\u7406\u5e33\u6236\u9019\u500b\u8a5e\u7684\u8b80\u8005\u5c31\u4f86\u770b\u770b\u672c\u7bc7\u4ecb\u7d39\u5427\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_64 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >\u672c\u6587\u76ee\u9304<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=/index.html"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 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href=/index.html"https:\/\/\/what-is-mental-accounting\/#%E5%BF%83%E8%A3%A1%E5%B8%B3%E6%88%B6%E7%9A%84%E5%8F%A6%E4%B8%80%E5%80%8B%E6%A1%88%E4%BE%8B\" title=\"\u5fc3\u88e1\u5e33\u6236\u7684\u53e6\u4e00\u500b\u6848\u4f8b\">\u5fc3\u88e1\u5e33\u6236\u7684\u53e6\u4e00\u500b\u6848\u4f8b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=/index.html"https:\/\/\/what-is-mental-accounting\/#%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6%E5%B0%8D%E6%8A%95%E8%B3%87%E7%9A%84%E5%BD%B1%E9%9F%BF\" title=\"\u5fc3\u7406\u5e33\u6236\u5c0d\u6295\u8cc7\u7684\u5f71\u97ff\">\u5fc3\u7406\u5e33\u6236\u5c0d\u6295\u8cc7\u7684\u5f71\u97ff<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=/index.html"https:\/\/\/what-is-mental-accounting\/#%E6%88%91%E5%80%91%E8%A9%B2%E5%A6%82%E4%BD%95%E9%81%BF%E5%85%8D%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6%E7%9A%84%E5%BD%B1%E9%9F%BF\" title=\"\u6211\u5011\u8a72\u5982\u4f55\u907f\u514d\u5fc3\u7406\u5e33\u6236\u7684\u5f71\u97ff\">\u6211\u5011\u8a72\u5982\u4f55\u907f\u514d\u5fc3\u7406\u5e33\u6236\u7684\u5f71\u97ff<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=/index.html"https:\/\/\/what-is-mental-accounting\/#%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6%E4%BB%8B%E7%B4%B9%E7%B5%90%E8%AA%9E\" title=\"\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39\u7d50\u8a9e\">\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39\u7d50\u8a9e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=/index.html"https:\/\/\/what-is-mental-accounting\/#%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\" title=\"\u5e38\u898b\u554f\u984c\">\u5e38\u898b\u554f\u984c<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6%E7%90%86%E8%AB%96%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\"><\/span>\u5fc3\u7406\u5e33\u6236\u7406\u8ad6\u662f\u4ec0\u9ebc\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u300c\u5fc3\u7406\u5e33\u6236\u300d( Mental Accounting ) \u662f\u7531\u7d93\u6fdf\u5b78\u5bb6<a href=/index.html"https:\/\/en.wikipedia.org\/wiki\/Richard_Thaler\" target=\"_blank\" rel=\"noreferrer noopener\">\u7406\u67e5\u5fb7<\/a>\u5728 1990 \u5e74\u6240\u63d0\u51fa\u7684\u884c\u70ba\u7d93\u6fdf\u5b78\u6982\u5ff5\u3002<\/p>\n\n\n\n<p>\u800c<strong>\u5fc3\u7406\u5e33\u6236\u7684\u5b9a\u7fa9<\/strong>\u4e5f\u975e\u5e38\u597d\u7406\u89e3\uff0c\u6307\u7684\u662f\uff1a\u300c\u4eba\u5011\u6703\u628a\u81ea\u5df1\u7684\u9322\u5206\u9580\u5225\u985e\u7684\u5206\u985e\u5728\u4e0d\u540c\u7684\u300e\u5fc3\u7406\u5e33\u6236\u300f\uff0c\u9019\u6642\u5019\u5c31\u6703\u5c0e\u81f4\u63ee\u970d\u6216\u7bc0\u5109\u82b1\u8cbb\u5728\u4e0d\u540c\u5fc3\u7406\u5e33\u6236\u88e1\u7684\u9322\uff0c\u7136\u800c\u9322\u5c31\u662f\u9322\uff0c\u4e26\u6c92\u6709\u4e0d\u540c\u3002\u300d<\/p>\n\n\n\n<p>\u6bd4\u5982\u8aaa\u4e00\u500b\u4e0a\u73ed\u65cf\u6709\u53ef\u80fd\u6709\u8457\u4ee5\u4e0b\u7684\u5fc3\u7406\u5e33\u6236\uff1a<\/p>\n\n\n\n<ul>\n<li>\u6bcf\u5929\u8f9b\u82e6\u5de5\u4f5c\u7684\u85aa\u6c34 \u2192 \u85aa\u6c34\u5e33\u6236<\/li>\n\n\n\n<li>\u56e0\u70ba\u5de5\u4f5c\u826f\u597d\u6240\u7372\u5f97\u7684\u734e\u91d1 \u2192\u734e\u91d1\u5e33\u6236<\/li>\n\n\n\n<li>\u56e0\u70ba\u8cb7\u904b\u5f69\u800c\u7372\u5f97\u7684\u610f\u5916\u4e4b\u8ca1 \u2192 \u6a6b\u8ca1\u5e33\u6236<\/li>\n<\/ul>\n\n\n\n<p>\u9019\u500b\u4e0a\u73ed\u65cf\u5e73\u5e38\u90fd\u662f\u7701\u5403\u5109\u7528\u7684\u82b1\u8cbb\u8457\u300c\u85aa\u6c34\u300d\u9019\u500b\u5fc3\u7406\u5e33\u6236\uff0c\u9019\u6642\u5019\u62ff\u5230\u4e00\u7b46\u734e\u91d1\uff0c\u6709\u53ef\u80fd\u5c31\u6703\u62ff\u53bb\u5403\u4e00\u7b46\u6602\u8cb4\u7684\u9ad8\u6a94\u9910\u5ef3\uff0c\u56e0\u70ba\u9019\u662f\u5728\u82b1\u300c\u734e\u91d1\u300d\u9019\u500b\u5fc3\u7406\u5e33\u6236\u7684\u9322\u3002<\/p>\n\n\n\n<p>\u800c\u5982\u679c\u662f\u5f97\u5230\u8cb7\u904b\u5f69\u4e2d\u734e\u6240\u5f97\u5230\u7684\u300c\u5927\u7b46\u6a6b\u8ca1\u300d\uff0c\u90a3\u9019\u5927\u7b46\u7684\u9322\uff0c\u4e0a\u73ed\u65cf\u6709\u53ef\u80fd\u6703\u62ff\u53bb\u6597\u5167\u7d66\u4ed6\u559c\u6b61\u7684\u8ca1\u7d93\u4f5c\u5bb6\u300c\u6295\u8cc7\u7375\u624b\u300d\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u53ef\u4ee5\u770b\u5230\u9019\u500b\u4e0a\u73ed\u65cf\u5c0d\u9322\u6709\u8457\u4e0d\u540c\u7684\u770b\u6cd5\uff1a<\/p>\n\n\n\n<ul>\n<li>\u85aa\u6c34\u5fc3\u7406\u5e33\u6236 \u2192 \u9700\u8981\u7701\u8457\u82b1<\/li>\n\n\n\n<li>\u734e\u91d1\u5fc3\u7406\u5e33\u6236 \u2192 \u53ef\u4ee5\u7a0d\u5fae\u82b1\u591a\u9ede<\/li>\n\n\n\n<li>\u6a6b\u8ca1\u5fc3\u7406\u5e33\u6236 \u2192 \u96a8\u4fbf\u4e82\u82b1\u4e5f\u6c92\u95dc\u4fc2<\/li>\n<\/ul>\n\n\n\n<p>\u4f46\u662f\u9019\u500b\u4e0a\u73ed\u65cf\u6709\u53ef\u80fd\u628a\u85aa\u6c34\u3001\u734e\u91d1\u548c\u6a6b\u8ca1\u90fd\u5b58\u5728\u4e00\u500b\u9280\u884c\u5e33\u6236\u4e2d\uff0c\u53ea\u662f\u5167\u5fc3\u6703\u628a\u9019\u4e9b\u8cc7\u91d1\u505a\u5206\u985e\uff0c\u5206\u914d\u5230\u4e0d\u540c\u7684\u300c\u5fc3\u7406\u5e33\u6236\u300d\u88e1\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\u5404\u4f4d\u8b80\u8005\u6211\u5011\u90fd\u77e5\u9053\uff0c\u9322\u5c31\u662f\u9322\uff0c\u85aa\u6c34\u5fc3\u7406\u5e33\u6236\u88e1\u4e00\u5143\u7684\u50f9\u503c\uff0c\u8207\u6a6b\u8ca1\u5fc3\u7406\u5e33\u6236\u4e00\u5143\u7684\u50f9\u503c\u4e26\u7121\u4e0d\u540c\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u4eca\u5929\u4e0d\u6703\u62ff\u85aa\u6c34\u5e33\u6236\u88e1\u7684\u9322\u96a8\u610f\u6597\u5167\u6350\u6b3e\uff0c\u90a3\u70ba\u4ec0\u9ebc\u6211\u5011\u5c31\u6703\u62ff\u6a6b\u8ca1\u5e33\u6236\u7684\u9322\u96a8\u610f\u4e82\u82b1\u5462\uff1f<\/p>\n\n\n\n<p>\u9019\u5c31\u662f<strong>\u5fc3\u7406\u5e33\u6236\u7406\u8ad6<\/strong>\u60f3\u8981\u8b93\u4eba\u5011\u7406\u89e3\u5230\u7684\u8a8d\u77e5\u504f\u8aa4\uff0c\u6211\u5011\u61c9\u8a72\u8981\u77e5\u9053\u4e0d\u7ba1\u662f\u54ea\u88e1\u7372\u5f97\u7684\u9322\u6211\u5011\u90fd\u9700\u8981\u7cbe\u6253\u7d30\u7b97\u7684\u4f86\u82b1\u8cbb\uff0c\u800c\u975e\u81ea\u5df1\u5167\u5fc3\u505a\u5e33\u6236\u5283\u5206\uff0c\u5c0e\u81f4\u6709\u6642\u5019\u6211\u5011\u7701\u5403\u5109\u7528\uff0c\u6709\u6642\u5019\u53c8\u5927\u624b\u5927\u8173\u3002<\/p>\n\n\n\n<div class=\"wp-block-group has-palette-color-6-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<\/p>\n\n\n\n<ul>\n<li><a href=/index.html"https:\/\/\/what-is-availability-bias\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u53ef\u5f97\u6027\u504f\u8aa4\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\u4f8b\u5b50\uff1f\u5927\u8166\u5176\u5be6\u611b\u5077\u61f6<\/a><\/li>\n\n\n\n<li><a href=/index.html"https:\/\/\/introduction-of-anchoring-effect\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5b9a\u9328\u6548\u61c9\u7684\u610f\u601d\uff1f\u6295\u8cc7\u8005\u66f4\u8981\u6ce8\u610f\u9019\u500b\u5fc3\u7406\u5b78\u9677\u9631\uff01<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6%E7%9A%84%E4%BE%8B%E5%AD%90\"><\/span>\u5fc3\u7406\u5e33\u6236\u7684\u4f8b\u5b50<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"563\" src=/index.html"https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u7684\u96fb\u5f71\u9662\u5be6\u9a57\u554f\u984c.jpg\" alt=\"\u5fc3\u7406\u5e33\u6236\u7684\u96fb\u5f71\u9662\u5be6\u9a57\u554f\u984c\" class=\"wp-image-10345\" title=\"\u5fc3\u7406\u5e33\u6236\u7684\u96fb\u5f71\u9662\u5be6\u9a57\u554f\u984c\" srcset=\"https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u7684\u96fb\u5f71\u9662\u5be6\u9a57\u554f\u984c.jpg 1000w, https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u7684\u96fb\u5f71\u9662\u5be6\u9a57\u554f\u984c-300x169.jpg 300w, https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u7684\u96fb\u5f71\u9662\u5be6\u9a57\u554f\u984c-768x432.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">\u5fc3\u7406\u5e33\u6236\u7684\u96fb\u5f71\u9662\u5be6\u9a57\u554f\u984c<\/figcaption><\/figure>\n\n\n\n<p>\u7d93\u6fdf\u5b78\u5bb6\u7406\u67e5\u5fb7\u5728 1999 \u5e74\u7684\u300c\u5fc3\u7406\u5e33\u6236\u554f\u984c\u300d( <a href=/index.html"https:\/\/faculty.chicagobooth.edu\/-\/media\/faculty\/richard-thaler\/assets\/files\/mentalaccounting.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Mental Accounting Matters<\/a> )\u6709\u63d0\u5230\u4e00\u500b<strong>\u5fc3\u7406\u5e33\u6236\u7684\u5be6\u9a57<\/strong>\uff1a<\/p>\n\n\n\n<p class=\"has-palette-color-6-background-color has-background\">\u300c\u5982\u679c\u4f60\u525b\u5230\u4e00\u5bb6\u96fb\u5f71\u9662\uff0c\u767c\u73fe\u4f60\u63d0\u524d\u8cb7\u7684 10 \u7f8e\u5143\u7684\u96fb\u5f71\u7968\u4e0d\u898b\u4e86\uff0c\u9019\u6642\u5019\u4f60\u9084\u9858\u610f\u518d\u82b1 10 \u7f8e\u5143\u518d\u8cb7\u4e00\u5f35\u96fb\u5f71\u7247\u4f86\u770b\u96fb\u5f71\u55ce\uff1f\u300d<\/p>\n\n\n\n<p>\u5be6\u9a57\u8868\u660e\uff0c\u50c5\u6709 46% \u7684\u5be6\u9a57\u8005\u9858\u610f\u518d\u82b1 10 \u7f8e\u5143\u8cfc\u8cb7\u96fb\u5f71\u7247\u4f86\u770b\u96fb\u5f71\uff0c\u53e6\u5916\u7684 44% \u5247\u8868\u793a\u4e0d\u6703\u518d\u638f\u9322\u8cb7\u96fb\u5f71\u7968\u3002<\/p>\n\n\n\n<p class=\"has-palette-color-6-background-color has-background\">\u7136\u800c\u5982\u679c\u662f\uff1a\u300c\u5982\u679c\u4f60\u6c92\u6709\u63d0\u524d\u8cb7\u7968\uff0c\u4f46\u662f\u4f60\u5728\u5230\u9054\u96fb\u5f71\u9662\u6642\u767c\u73fe\u4f60\u4e0d\u898b\u4e86\u4e00\u5f35 10 \u7f8e\u5143\u7684\u9214\u7968\uff0c\u90a3\u4f60\u9019\u6642\u5019\u9858\u610f\u8cfc\u8cb7\u96fb\u5f71\u7968\u55ce\uff1f\u300d<\/p>\n\n\n\n<p>\u9019\u6642\u5019\u6709 88% \u7684\u5be6\u9a57\u8005\u9858\u610f\u8cfc\u8cb7\u96fb\u5f71\u7968\uff0c\u5c31\u7b97\u4ed6\u5011\u5728\u4f86\u7684\u6642\u5019\u610f\u5916\u640d\u5931\u4e86 10 \u7f8e\u5143\u7684\u9214\u7968\u4e5f\u9858\u610f\u8cfc\u8cb7\u96fb\u5f71\u7968\u3002<\/p>\n\n\n\n<p>\u5404\u4f4d\u8b80\u8005\u6709\u767c\u73fe\u55ce\uff1f\u5176\u5be6\u5c11\u4e86\u63d0\u524d\u8cfc\u8cb7\u7684\u96fb\u5f71\u7968\u8207\u907a\u5931\u4e00\u5f35\u9214\u7968\u90fd\u7b49\u65bc\u640d\u5931 10 \u7f8e\u5143\uff0c\u4f46\u662f\u537b\u6703\u56e0\u6b64\u5f71\u97ff\u5be6\u9a57\u8005\u5f8c\u7e8c\u7684\u884c\u52d5\uff0c\u9019\u6b63\u662f\u4e00\u500b<strong>\u5fc3\u88e1\u5e33\u6236\u7684\u61c9\u7528\u4f8b\u5b50<\/strong>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BF%83%E8%A3%A1%E5%B8%B3%E6%88%B6%E7%9A%84%E5%8F%A6%E4%B8%80%E5%80%8B%E6%A1%88%E4%BE%8B\"><\/span>\u5fc3\u88e1\u5e33\u6236\u7684\u53e6\u4e00\u500b\u6848\u4f8b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"563\" src=/index.html"https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u7684\u53e6\u4e00\u500b\u4f8b\u5b50.jpg\" alt=\"\u5fc3\u7406\u5e33\u6236\u7684\u53e6\u4e00\u500b\u4f8b\u5b50\" class=\"wp-image-10346\" title=\"\u5fc3\u7406\u5e33\u6236\u7684\u53e6\u4e00\u500b\u4f8b\u5b50\" srcset=\"https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u7684\u53e6\u4e00\u500b\u4f8b\u5b50.jpg 1000w, https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u7684\u53e6\u4e00\u500b\u4f8b\u5b50-300x169.jpg 300w, https:\/\/\/wp-content\/uploads\/2022\/12\/\u5fc3\u7406\u5e33\u6236\u7684\u53e6\u4e00\u500b\u4f8b\u5b50-768x432.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">\u5fc3\u7406\u5e33\u6236\u7684\u53e6\u4e00\u500b\u4f8b\u5b50<\/figcaption><\/figure>\n\n\n\n<p>\u800c\u6295\u8cc7\u7375\u624b\u5c0d\u5fc3\u7406\u5e33\u6236\u4e5f\u6709\u5207\u8eab\u7684\u9ad4\u609f\uff0c\u4e4b\u524d\u6295\u8cc7\u7375\u624b\u6709\u4e00\u500b\u5f88\u60f3\u8cb7\u7684\u904a\u6232\uff0c\u4e0d\u904e\u9019\u904a\u6232\u7684\u8a55\u50f9\u90fd\u662f\uff1a\u300c\u96d6\u7136\u5f88\u597d\u73a9\uff0c\u4f46\u904a\u73a9\u6642\u9593\u77ed\u3002\u300d<\/p>\n\n\n\n<p>\u4e26\u4e14\u9019\u500b\u904a\u6232\u7684\u552e\u50f9\u4e5f\u4e26\u4e0d\u4fbf\u5b9c\uff0c\u6240\u4ee5\u6295\u8cc7\u7375\u624b\u6211\u4e5f\u4e00\u76f4\u6c92\u6709\u4e0b\u624b\u8cfc\u8cb7\uff0c\u7136\u800c\u6709\u4e00\u6b21\u5f97\u5230\u7684\u610f\u5916\u7684\u5de5\u4f5c\u734e\u91d1\uff0c\u96d6\u7136\u4e0d\u7b97\u7279\u5225\u591a\uff0c\u4f46\u4e5f\u8db3\u4ee5\u8cb7\u4e0b\u904a\u6232\u3002<\/p>\n\n\n\n<p>\u65bc\u662f\u6295\u8cc7\u7375\u624b\u6211\u4fbf\u7528\u734e\u91d1\u7684\u734e\u91d1\u62ff\u53bb\u8cfc\u8cb7\u904a\u6232\uff0c\u5176\u5be6\u6295\u8cc7\u7375\u624b\u6211\u4e5f\u9677\u5165\u4e86\u5fc3\u7406\u5e33\u6236\u7684\u8aa4\u5340\uff0c\u7576\u7136\u904a\u6232\u662f\u5f88\u4e0d\u932f\u7684\uff0c\u4f46\u662f\uff1a<\/p>\n\n\n\n<ul>\n<li>\u9818\u4e00\u822c\u85aa\u6c34\u7684\u6642\u5019 \u2192 \u89ba\u5f97\u4e0d\u5212\u7b97\u6c92\u8cb7<\/li>\n\n\n\n<li>\u9818\u984d\u5916\u734e\u91d1\u7684\u6642\u5019 \u2192 \u89ba\u5f97\u662f\u734e\u91d1\u82b1\u4e86\u4e5f\u6c92\u95dc\u4fc2<\/li>\n<\/ul>\n\n\n\n<p>\u4f46\u662f\u5be6\u969b\u4e0a\u300c\u9322\u5c31\u662f\u9322\u300d\uff0c\u5982\u679c\u6211\u771f\u7684\u89ba\u5f97\u4e0d\u5212\u7b97\uff0c\u54ea\u4e0d\u7ba1\u662f\u85aa\u6c34\u5e33\u6236\u6216\u662f\u734e\u91d1\u5e33\u6236\u6211\u90fd\u4e0d\u61c9\u8a72\u8cfc\u8cb7\u9019\u500b\u904a\u6232\u3002<\/p>\n\n\n\n<p>\u800c\u5982\u679c\u771f\u7684\u60f3\u73a9\uff0c\u5176\u5be6\u4e5f\u4e0d\u7528\u7279\u610f\u7b49\u5230\u9818\u984d\u5916\u734e\u91d1\u7684\u6642\u5019\u518d\u8cfc\u8cb7\uff0c\u56e0\u70ba\u4e00\u822c\u85aa\u6c34\u7684\u9322\u8207\u984d\u5916\u734e\u91d1\u7684\u9322\u4e26\u7121\u4e0d\u540c\uff0c\u65b0\u53f0\u5e63\u4e00\u5143\u5c31\u662f\u7b49\u65bc\u65b0\u53f0\u5e63\u4e00\u5143\uff0c\u4e0d\u6703\u56e0\u70ba\u4e0d\u540c\u5e33\u6236\u800c\u6709\u5dee\u5225\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u4e5f\u53ef\u4ee5\u767c\u73fe\u610f\u5916\u4e2d\u6a02\u900f\u5927\u734e\u7684\u5e78\u904b\u8005\uff0c\u901a\u5e38\u90fd\u662f\u5927\u624b\u5927\u8173\u7684\u82b1\u8cbb\uff0c\u4ea6\u6216\u662f\u5f9e\u4e0d\u6350\u6b3e\u7684\u4eba\uff0c\u5728\u4e2d\u6a02\u900f\u7684\u6642\u5019\u5c31\u6350\u4e86\u4e00\u5927\u7b46\u9322\uff0c\u9019\u4fbf\u662f\u56e0\u70ba<strong>\u5fc3\u7406\u5e33\u6236\u7684\u5f71\u97ff<\/strong>\uff0c\u89ba\u5f97\u9019\u7b46\u9322\u662f\u4f86\u81ea\u300c\u6a6b\u8ca1\u5e33\u6236\u300d\u6240\u4ee5\u4e82\u82b1\u4e5f\u53ef\u4ee5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6%E5%B0%8D%E6%8A%95%E8%B3%87%E7%9A%84%E5%BD%B1%E9%9F%BF\"><\/span>\u5fc3\u7406\u5e33\u6236\u5c0d\u6295\u8cc7\u7684\u5f71\u97ff<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6bd4\u5982\u8aaa\u6295\u8cc7\u8005\u96d6\u7136\u628a\u5927\u7b46\u8cc7\u91d1\u653e\u5728<a href=/index.html"https:\/\/\/what-is-index-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6307\u6578\u6295\u8cc7<\/a>\u4e0a\uff0c\u4f46\u662f\u4ecd\u60f3\u81ea\u5df1\u64cd\u4f5c\u500b\u80a1\uff0c\u65bc\u662f\u632a\u7528\u6307\u6578\u6295\u8cc7\u5fc3\u7406\u5e33\u6236 20% \u7684\u9322\u5230\u300c\u500b\u80a1\u5fc3\u7406\u5e33\u6236\u300d\u4e2d\u64cd\u4f5c\u3002<\/p>\n\n\n\n<p>\u9019\u6295\u8cc7\u8005\u5c31\u958b\u59cb\u8cfc\u8cb7\u500b\u80a1\uff0c\u56e0\u6b64\u8ce0\u9322\u4e86\u4e5f\u6c92\u6709\u591a\u5fc3\u75db\uff0c\u56e0\u70ba\u4ed6\u8a8d\u70ba\u9019\u7b46\u9322\u662f\u300c\u500b\u80a1\u5fc3\u7406\u5e33\u6236\u300d\u7684\u9322\uff0c\u4e5f\u5c31\u662f\u300c\u53ef\u4ee5\u8ce0\u9322\u300d\u7684\u5fc3\u7406\u5e33\u6236\u4e2d\u3002<\/p>\n\n\n\n<p>\u7136\u800c\u8ce0\u9322\u5c31\u662f\u8ce0\u9322\uff0c\u5c31\u7b97\u81ea\u5df1\u5283\u5206\u9019\u662f\u4e0d\u540c\u7684\u5fc3\u7406\u5e33\u6236\uff0c\u4f46\u8ce0\u9322\u4ecd\u662f\u9435\u931a\u931a\u7684\u4e8b\u5be6\uff0c\u53ea\u662f\u76f8\u5c0d\u4f86\u8aaa\u5fc3\u88e1\u6703\u6c92\u6709\u9019\u9ebc\u5fc3\u75db\u7f77\u4e86\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u6295\u8cc7<a href=/index.html"https:\/\/\/high-dividend-introduce\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ad8\u80a1\u606f<\/a> ETF \u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u5fc3\u7406\u5e33\u6236\u7684\u504f\u8aa4\u4e5f\u6642\u5e38\u51fa\u73fe\uff0c\u9019\u662f\u56e0\u70ba\u9ad8\u80a1\u606f ETF \u7684\u6295\u8cc7\u8005\u66f4\u5c08\u6ce8\u7684\u662f\u914d\u606f\uff0c\u800c\u975e\u80a1\u50f9\u7684\u8b8a\u52d5\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u9019\u985e\u578b\u7684\u6295\u8cc7\u8005\u8f03\u70ba\u95dc\u6ce8\u7684\u662f\u80a1\u606f\u914d\u767c\u7684\u9ad8\u4f4e\uff0c\u800c\u975e\u80a1\u50f9\u7684\u8b8a\u52d5\uff0c\u4e5f\u5c31\u662f\u628a\u6295\u8cc7\u5283\u5206\u6210\uff1a<\/p>\n\n\n\n<ul>\n<li>\u80a1\u50f9\u5fc3\u7406\u5e33\u6236 ( \u8f03\u4e0d\u95dc\u6ce8 )<\/li>\n\n\n\n<li>\u80a1\u606f\u5fc3\u7406\u5e33\u6236 ( \u8f03\u95dc\u6ce8 )<\/li>\n<\/ul>\n\n\n\n<p>\u4f46\u662f\u6211\u5011\u90fd\u77e5\u9053\u6295\u8cc7\u80a1\u7968\u7684\u7372\u5229\u662f\u300c\u80a1\u50f9 + \u80a1\u606f\u300d\uff0c\u4f46\u662f\u9019\u985e\u578b\u7684\u6295\u8cc7\u8005\u4e5f\u7b97\u662f\u5de7\u5999\u5229\u7528\u5fc3\u7406\u5e33\u6236\u7684\u4eba\u6027\u504f\u8aa4\uff0c\u8b93\u81ea\u5df1\u653e\u68c4\u53bb\u95dc\u6ce8\u80a1\u50f9\u7684\u6ce2\u52d5\uff0c\u4e5f\u7b97\u662f\u53e6\u985e\u7684\u5fc3\u7406\u50ac\u7720\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u5fc3\u7406\u5e33\u6236\u5c0d\u9ad8\u80a1\u606f\u6295\u8cc7\u8005\u7684\u597d\u8655<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u8b93\u4eba\u5ffd\u7565\u80a1\u50f9\u6ce2\u52d5<br>\u66f4\u80fd\u5805\u6301\u6295\u8cc7<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u5fc3\u7406\u5e33\u6236\u5c0d\u9ad8\u80a1\u606f\u6295\u8cc7\u8005\u7684\u58de\u8655<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u66f4\u95dc\u6ce8\u80a1\u606f\u7372\u5229<br>\u53cd\u800c\u4e0d\u6295\u8cc7\u5831\u916c\u66f4\u9ad8\u7684\u6307\u6578\u6295\u8cc7<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u5fc3\u7406\u5e33\u6236\u5c0d\u9ad8\u80a1\u606f\u6295\u8cc7\u7684\u5f71\u97ff<\/figcaption><\/figure>\n\n\n\n<p>\u53ea\u80fd\u8aaa<strong>\u5fc3\u7406\u5e33\u6236\u5c0d\u6295\u8cc7\u8005\u4f86\u8aaa\u6709\u597d\u6709\u58de<\/strong>\uff0c\u9019\u8b93\u6295\u8cc7\u4eba\uff1a<\/p>\n\n\n\n<ul>\n<li>\u5fc3\u7406\u5e33\u6236\u5c0d\u6295\u8cc7\u8005\u7684\u597d\u8655 \u2192 \u66f4\u80fd\u6301\u6709\u80a1\u7968\uff0c\u800c\u5ffd\u7565\u77ed\u671f\u6ce2\u52d5<\/li>\n\n\n\n<li>\u5fc3\u7406\u5e33\u6236\u5c0d\u6295\u8cc7\u8005\u7684\u58de\u8655 \u2192 \u8b93\u4eba\u5011\u66f4\u95dc\u6ce8\u80a1\u606f\uff0c\u800c\u975e\u6574\u9ad4\u7372\u5229<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-palette-color-6-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<\/p>\n\n\n\n<ul>\n<li><a href=/index.html"https:\/\/\/what-is-financial-independence-retire-early\/\" target=\"_blank\" rel=\"noreferrer noopener\">FIRE\u8ca1\u52d9\u81ea\u7531\u904b\u52d5\u662f\u4ec0\u9ebc\uff1f\u79d2\u61c2\u5982\u4f55\u7576FIRE\u65cf\u63d0\u65e9\u9000\u4f11<\/a><\/li>\n\n\n\n<li><a href=/index.html"https:\/\/\/what-is-the-hindsight-bias-definition\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5f8c\u8996\u504f\u5dee\u662f\u4ec0\u9ebc\uff1f\u5f8c\u898b\u4e4b\u660e\u6b63\u8b93\u4f60\u9ad8\u4f30\u81ea\u5df1\u7684\u5224\u65b7<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%91%E5%80%91%E8%A9%B2%E5%A6%82%E4%BD%95%E9%81%BF%E5%85%8D%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6%E7%9A%84%E5%BD%B1%E9%9F%BF\"><\/span>\u6211\u5011\u8a72\u5982\u4f55\u907f\u514d\u5fc3\u7406\u5e33\u6236\u7684\u5f71\u97ff<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"563\" src=/index.html"https:\/\/\/wp-content\/uploads\/2022\/12\/\u5982\u4f55\u907f\u514d\u5fc3\u88e1\u5e33\u6236.jpg\" alt=\"\u5982\u4f55\u907f\u514d\u5fc3\u88e1\u5e33\u6236\" class=\"wp-image-10347\" title=\"\u5982\u4f55\u907f\u514d\u5fc3\u88e1\u5e33\u6236\" srcset=\"https:\/\/\/wp-content\/uploads\/2022\/12\/\u5982\u4f55\u907f\u514d\u5fc3\u88e1\u5e33\u6236.jpg 1000w, https:\/\/\/wp-content\/uploads\/2022\/12\/\u5982\u4f55\u907f\u514d\u5fc3\u88e1\u5e33\u6236-300x169.jpg 300w, https:\/\/\/wp-content\/uploads\/2022\/12\/\u5982\u4f55\u907f\u514d\u5fc3\u88e1\u5e33\u6236-768x432.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">\u5982\u4f55\u907f\u514d\u5fc3\u88e1\u5e33\u6236<\/figcaption><\/figure>\n\n\n\n<p>\u5fc3\u7406\u5e33\u6236\u53ef\u4ee5\u8aaa\u662f\u4eba\u6027\u5c0d\u91d1\u9322\u7684\u300c\u504f\u898b\u300d\uff0c\u6211\u5011\u53ea\u80fd\u901a\u904e\u7406\u6027\u4f86<strong>\u907f\u514d\u5fc3\u7406\u5e33\u6236\u7684\u5f71\u97ff<\/strong>\uff0c\u5177\u9ad4\u65b9\u6cd5\u5305\u542b\uff1a<\/p>\n\n\n\n<ul>\n<li>\u8a8d\u77e5\u5230\u4e0d\u7ba1\u662f\u54ea\u88e1\u7372\u5f97\u7684\u9322\u50f9\u503c\u90fd\u662f\u76f8\u7b49\u7684<\/li>\n\n\n\n<li>\u5728\u6bcf\u6708\u4e00\u958b\u59cb\u5c31\u898f\u5283\u7576\u6708\u958b\u92b7<\/li>\n\n\n\n<li>\u4e8b\u5148\u8003\u616e\u5fc3\u88e1\u5e33\u6236\u7684\u5f71\u97ff\uff0c\u4e0d\u7ba1\u662f\u54ea\u88e1\u7372\u5f97\u7684\u91d1\u9322\u90fd\u4e00\u540c\u8a08\u7b97<\/li>\n<\/ul>\n\n\n\n<p>\u6bd4\u5982\u8aaa\u5728\u6708\u521d\u4e00\u958b\u59cb\u5c31\u898f\u756b\u9019\u500b\u6708\u7684\u9910\u8cbb\u662f 10,000 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class=\"ez-toc-section\" id=\"%E5%BF%83%E7%90%86%E5%B8%B3%E6%88%B6%E4%BB%8B%E7%B4%B9%E7%B5%90%E8%AA%9E\"><\/span>\u5fc3\u7406\u5e33\u6236\u4ecb\u7d39\u7d50\u8a9e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u95dc\u65bc\u5fc3\u7406\u5e33\u6236\u7684\u4ecb\u7d39\u5c31\u5230\u9019\u88e1\uff0c\u5982\u679c\u4f60\u89ba\u5f97\u6295\u8cc7\u7375\u624b\u7684\u6587\u7ae0\u5beb\u5f97\u4e0d\u932f\uff0c\u4e5f\u53ef\u4ee5\u524d\u5f80\u6295\u8cc7\u7375\u624b&nbsp;<a href=/index.html"https:\/\/www.facebook.com\/finesttracker\" target=\"_blank\" rel=\"noreferrer noopener\">FB \u7c89\u5c08<\/a>\u6309\u8b9a\u652f\u6301\u6211\u7684\u5275\u4f5c\uff0c\u4e26\u4e14\u628a\u6587\u7ae0\u5206\u4eab\u7d66\u559c\u611b\u6295\u8cc7\u7406\u8ca1\u7684\u89aa\u670b\u597d\u53cb\u54e6\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60f3\u8981\u66f4\u4e86\u89e3\u6295\u8cc7\u7684\u8a71\uff0c\u4e5f\u53ef\u4ee5\u901a\u904e<a href=/index.html"https:\/\/product.mchannles.com\/2w5h6\" target=\"_blank\" rel=\"noreferrer noopener 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noopener\">\u80a1\u7968\u6703\u5012\u8ce0\u55ce\uff1f\u80a1\u7968\u4e0d\u8ce3\u5c31\u4e0d\u6703\u8667\u9322\u55ce\uff1f\u8981\u770b\u8cb7\u4ec0\u9ebc<\/a><\/li>\n\n\n\n<li><a href=/index.html"https:\/\/\/what-is-monthly-dividend\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6708\u914d\u606f\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\u4e09\u5206\u9418\u770b\u61c2\u6708\u914d\u606f\u57fa\u91d1\u7f3a\u9ede\u8207\u98a8\u96aa<\/a><\/li>\n\n\n\n<li><a href=/index.html"https:\/\/\/dollar-cost-averaging\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5b9a\u671f\u5b9a\u984d\u662f\u4ec0\u9ebc\uff1f\u5b9a\u671f\u5b9a\u984d\u5b58\u80a1\u63a8\u85a6\uff0c\u512a\u7f3a\u9ede\u5168\u4ecb\u7d39\uff0c\u6295\u8cc7\u5fc5\u770b<\/a><\/li>\n\n\n\n<li><a href=/index.html"https:\/\/\/how-to-invest-in-cryptocurrency\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u52a0\u5bc6\u8ca8\u5e63\u600e\u9ebc\u6295\u8cc7\uff1f\u4e94\u5206\u9418\u8b93\u4f60\u5feb\u901f\u5165\u9580\u6295\u8cc7\u865b\u64ec\u8ca8\u5e63<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\"><\/span>\u5e38\u898b\u554f\u984c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1669969623958\"><strong class=\"schema-faq-question\"><strong>\u5fc3\u7406\u5e33\u6236\u7684\u5b9a\u7fa9<\/strong>\uff1f<\/strong> <p class=\"schema-faq-answer\"><strong>\u5fc3\u7406\u5e33\u6236\u7684\u5b9a\u7fa9<\/strong>\u4e5f\u975e\u5e38\u597d\u7406\u89e3\uff0c\u6307\u7684\u662f\uff1a\u300c\u4eba\u5011\u6703\u628a\u81ea\u5df1\u7684\u9322\u5206\u9580\u5225\u985e\u7684\u5206\u985e\u5728\u4e0d\u540c\u7684\u300e\u5fc3\u7406\u5e33\u6236\u300f\uff0c\u9019\u6642\u5019\u5c31\u6703\u5c0e\u81f4\u63ee\u970d\u6216\u7bc0\u5109\u82b1\u8cbb\u5728\u4e0d\u540c\u5fc3\u7406\u5e33\u6236\u88e1\u7684\u9322\uff0c\u7136\u800c\u9322\u5c31\u662f\u9322\uff0c\u4e26\u6c92\u6709\u4e0d\u540c\u3002\u300d<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1669969639184\"><strong class=\"schema-faq-question\"><strong>\u5fc3\u7406\u5e33\u6236\u7684\u5be6\u9a57<\/strong>\uff1f<\/strong> <p class=\"schema-faq-answer\">\u7d93\u6fdf\u5b78\u5bb6\u7406\u67e5\u5fb7\u5728 1999 \u5e74\u7684\u300c\u5fc3\u7406\u5e33\u6236\u554f\u984c\u300d( <a href=/index.html"https:\/\/faculty.chicagobooth.edu\/-\/media\/faculty\/richard-thaler\/assets\/files\/mentalaccounting.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Mental Accounting Matters<\/a> )\u6709\u63d0\u5230\u4e00\u500b<strong>\u5fc3\u7406\u5e33\u6236\u7684\u5be6\u9a57<\/strong>\uff1a<br\/>\u300c\u5982\u679c\u4f60\u525b\u5230\u4e00\u5bb6\u96fb\u5f71\u9662\uff0c\u767c\u73fe\u4f60\u63d0\u524d\u8cb7\u7684 10 \u7f8e\u5143\u7684\u96fb\u5f71\u7968\u4e0d\u898b\u4e86\uff0c\u9019\u6642\u5019\u4f60\u9084\u9858\u610f\u518d\u82b1 10 \u7f8e\u5143\u518d\u8cb7\u4e00\u5f35\u96fb\u5f71\u7247\u4f86\u770b\u96fb\u5f71\u55ce\uff1f\u300d<br\/>\u5be6\u9a57\u8868\u660e\uff0c\u50c5\u6709 46% \u7684\u5be6\u9a57\u8005\u9858\u610f\u518d\u82b1 10 \u7f8e\u5143\u8cfc\u8cb7\u96fb\u5f71\u7247\u4f86\u770b\u96fb\u5f71\uff0c\u53e6\u5916\u7684 44% \u5247\u8868\u793a\u4e0d\u6703\u518d\u638f\u9322\u8cb7\u96fb\u5f71\u7968\u3002<br\/>\u7136\u800c\u5982\u679c\u662f\uff1a\u300c\u5982\u679c\u4f60\u6c92\u6709\u63d0\u524d\u8cb7\u7968\uff0c\u4f46\u662f\u4f60\u5728\u5230\u9054\u96fb\u5f71\u9662\u6642\u767c\u73fe\u4f60\u4e0d\u898b\u4e86\u4e00\u5f35 10 \u7f8e\u5143\u7684\u9214\u7968\uff0c\u90a3\u4f60\u9019\u6642\u5019\u9858\u610f\u8cfc\u8cb7\u96fb\u5f71\u7968\u55ce\uff1f\u300d<br\/>\u9019\u6642\u5019\u6709 88% \u7684\u5be6\u9a57\u8005\u9858\u610f\u8cfc\u8cb7\u96fb\u5f71\u7968\uff0c\u5c31\u7b97\u4ed6\u5011\u5728\u4f86\u7684\u6642\u5019\u610f\u5916\u640d\u5931\u4e86 10 \u7f8e\u5143\u7684\u9214\u7968\u4e5f\u9858\u610f\u8cfc\u8cb7\u96fb\u5f71\u7968\u3002<br\/>\u5404\u4f4d\u8b80\u8005\u6709\u767c\u73fe\u55ce\uff1f\u5176\u5be6\u5c11\u4e86\u63d0\u524d\u8cfc\u8cb7\u7684\u96fb\u5f71\u7968\u8207\u907a\u5931\u4e00\u5f35\u9214\u7968\u90fd\u7b49\u65bc\u640d\u5931 10 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